HB LEASING & FINANCE CO.LTD. (HBLEAS) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of HB LEASING & FINANCE CO.LTD. ₹3.60, price ₹10.29, upside -65.0%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹2.28 – ₹28.78 · fair‑value band ₹2.70 – ₹4.49 · the ₹10.29 price screens above the ₹3.60 fair value. Dashed = 300-day average. As of Sep 27, 2026.
Follow HB LEASING & FINANCE CO.LTD. in your weekly email
Every Wednesday you see whether HB LEASING & FINANCE CO.LTD. is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
HB Leasing and Finance Company Limited operates as a non-banking financial company in India. It is involved in the provision of financial leasing services, as well as invests and deals in stocks and securities. The company was incorporated in 1982 and is based in Gurugram, India.
Stock analysis
HB LEASING & FINANCE CO.LTD. (HBLEAS) currently trades at ₹10.29, while our model-based Fair Value estimate is ₹3.60, 65.0% below the price, so the stock looks overvalued today.
Show more
Valuation
How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: ₹2.70 (bear) to ₹4.49 (bull), the price of ₹10.29 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
HB LEASING & FINANCE CO.LTD. reported revenue of ₹1.7M in FY2026 versus ₹4.5M in FY2022, a compound −22.4%/yr. Reported net income was −₹2.7M in FY2026.
Key figures
Market cap ₹132M (≈ $1.4M) · P/S ratio 76.7 · EPS (TTM) ₹−0.3400 · Net margin −268% · Return on equity −4.9% · Return on assets (EBIT) 0.9% · Operating margin −245% · Revenue (TTM) ₹1.6M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 34% below its 52-week high and 29% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −65%, HBLEAS screens richer than that median.
Fair Value models
Bear ₹2.70Fair Value ₹3.60Bull ₹4.49
Price ₹10.29 · Upside -65.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−24.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−11.3%
Start year 2021 (pandemic)
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.0%
’14
’15
’17
’18
’19
’20
’21
’22
’23
’24
’26
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−14.7% (2021) → −235.1% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare HB LEASING & FINANCE CO.LTD. with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 456 stocks
Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside−65.0% · Bottom 25%
Profitability
Return on assets−3.2% · Bottom 25%
Net margin (TTM)−166.3% · Bottom 25%
Growth and dividend
Revenue growth−1.0% · Below median
Balance sheet
Debt / equity0.01× · Below median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/S (TTM)0.84× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 34
FUTURE (revenue growth)0· sector 75
PAST (return on equity)0· sector 33
HEALTH (low debt)100· sector 94
DIVIDEND (yield)0· sector 44
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is HB LEASING & FINANCE CO.LTD. (HBLEAS) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹3.60 versus a price of ₹10.29, about −65% upside (overvalued).
What is the fair value of HBLEAS?
Our model-based fair value for HB LEASING & FINANCE CO.LTD. is ₹3.60 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹10.29.
What is the quality score of HBLEAS?
HB LEASING & FINANCE CO.LTD. has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for HB LEASING & FINANCE CO.LTD. (HBLEAS)?
Our model-based price target is the fair value of ₹3.60 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario ₹2.70, optimistic scenario ₹4.49. It is a calculation from audited fundamentals, not an analyst target.
What is the HB LEASING & FINANCE CO.LTD. stock forecast for 2026?
Our models put fair value at ₹3.60, about −65% upside versus a price of ₹10.29 (overvalued). Cautious scenario ₹2.70, optimistic scenario ₹4.49. The calculation is refreshed regularly with new filings.
What is the revenue of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
HB LEASING & FINANCE CO.LTD. reported trailing-twelve-month revenue of about ₹1.6M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For HB LEASING & FINANCE CO.LTD. it is ₹3.60 per share (as of Sep 27, 2026), against a price of ₹10.29. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is HB LEASING & FINANCE CO.LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, HBLEAS trades above its calculated fair value: price ₹10.29, fair value ₹3.60, a gap of about −65% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HBLEAS?
No. The price is what the market pays today (₹10.29); the fair value is what the company's own numbers justify (₹3.60). For HB LEASING & FINANCE CO.LTD. the two are ₹6.69 per share apart. That gap is exactly why we show both numbers side by side.
How much is HB LEASING & FINANCE CO.LTD. worth?
The market values HB LEASING & FINANCE CO.LTD. at about ₹132M (market capitalisation, as of Sep 27, 2026). Per share that is ₹10.29; our models calculate a fair value of ₹3.60 per share.
What do the bullish and bearish scenarios say about HBLEAS?
Our models span a range for HB LEASING & FINANCE CO.LTD.: cautious scenario ₹2.70, base ₹3.60, optimistic ₹4.49 per share (as of Sep 27, 2026, price ₹10.29). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
Balance-sheet figures for HB LEASING & FINANCE CO.LTD. (as of Sep 27, 2026): return on equity −4.9%, debt of 0.01 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is HBLEAS from its 52-week high?
HB LEASING & FINANCE CO.LTD. trades at ₹10.29, about 34% below its 52-week high of ₹15.55 and 29% above the low of ₹8.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹3.60 is for.
Which stocks are comparable to HB LEASING & FINANCE CO.LTD.?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is HB LEASING & FINANCE CO.LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹10.29, calculated fair value ₹3.60 (−65%), Quality Score 46/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HBLEAS calculated?
We run HB LEASING & FINANCE CO.LTD. through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹3.60, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. HB LEASING & FINANCE CO.LTD. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
The closing price on Oct 1, 2026 was ₹10.29. Our model-based fair value is ₹3.60, about −65% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with HB LEASING & FINANCE CO.LTD. right now?
The price sits above even our optimistic bull case (₹4.49). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of HB LEASING & FINANCE CO.LTD.
How large is the market capitalisation of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
The market capitalisation of HB LEASING & FINANCE CO.LTD. is ₹132M (≈ $1.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
The price-to-sales ratio of HB LEASING & FINANCE CO.LTD. is 76.7 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
Earnings per share at HB LEASING & FINANCE CO.LTD. are ₹−0.3400. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
The net margin of HB LEASING & FINANCE CO.LTD. is −268% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
The return on equity (ROE) of HB LEASING & FINANCE CO.LTD. is −4.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
On an EBIT basis the return on assets of HB LEASING & FINANCE CO.LTD. is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of HB LEASING & FINANCE CO.LTD. (HBLEAS)?
The operating margin of HB LEASING & FINANCE CO.LTD. is −245% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at HB LEASING & FINANCE CO.LTD. (HBLEAS)?
Revenue at HB LEASING & FINANCE CO.LTD. is growing −1.0% versus a year earlier (3y avg −24.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does HB LEASING & FINANCE CO.LTD. (HBLEAS) generate?
The free cash flow of HB LEASING & FINANCE CO.LTD. is −₹8.5M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does HB LEASING & FINANCE CO.LTD. (HBLEAS) carry?
The net debt of HB LEASING & FINANCE CO.LTD. is ₹1.3M (fiscal year 2021). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch HB LEASING & FINANCE CO.LTD. in the live analysis
One click puts HB LEASING & FINANCE CO.LTD. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
